Barclays vs. Zynlo Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 6, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
Zynlo Bank
Tomorrow Savings Account
4.05%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
Zynlo Bank
Tomorrow Savings Account
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Barclays vs. Zynlo Bank
Why Barclays?
- ✓Higher rated iOS app (4.9 vs 4.0)
- ✓Higher rated Android app (4.7 vs 3.5)
- ✓Offers 2 different high-yield savings options
Why Zynlo Bank?
No distinct advantages found vs Barclays.
— Key Feature Differences —
Better Returns at $10,000
Zynlo BankZynlo Bank's Tomorrow Savings Account earns more on smaller deposits (approx. $405 vs $385/yr).
Better Returns at $25,000
Zynlo BankZynlo Bank's Tomorrow Savings Account pulls ahead with larger amounts (approx. $1013 vs $963/yr).
Best for Simplicity
Zynlo BankZynlo Bank's Tomorrow Savings Account offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BarclaysBarclays offers an iOS app rated 4.9 (vs. 4.0) and Android app rated 4.7 (vs. 3.5)
Shared Benefits
Over a 1-year period, Zynlo Bank's Tomorrow Savings Account pays $20 more interest on a $10,000 balance than Barclays's Tiered Savings.
Executive Summary
Barclays offers a Tiered Savings account with a maximum APY of 4.00%, but this rate is only available for balances over $250,000; lower balances earn 3.85%. In contrast, Zynlo Bank's Tomorrow Savings Account provides a competitive APY of 4.05% with no minimum balance requirements and no direct deposit needed, making it the more accessible option. Both accounts are online-only and have no maintenance fees, but Zynlo Bank's product is noted for its simplicity and better returns on smaller deposits. Overall, Zynlo Bank emerges as the winner with its higher APY and favorable terms.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Barclays and Zynlo Bank.
| Feature | Barclays | Zynlo Bank |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.05% Verified: 12/6/2025 ↘︎ 0.30%90d Change |
| Product Name | Tiered Savings | Tomorrow Savings Account |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $250,000 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.7 | iOS4.0 Android3.5 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | - |
| Next Steps |
Savings Comparison
Zynlo Bank earns $129 more than Barclays.
Barclays
Tiered Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
Zynlo Bank
Tomorrow Savings Account
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Barclays | Zynlo Bank | |
|---|---|---|---|
| Online Savings | Tiered Savings | Tomorrow Savings Account | |
Current APY | 3.60% | 4.00% | 4.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.3 | -3.8 | -2.6 |
Days Since Change | 10 | 17 | 14 |
9-Month High | 3.90% | 4.40% | 4.35% |
9-Month Low | 3.60% | 4.00% | 4.05% |
Adjustments / Mo | 0.57 | 0.68 | 0.23 |
Volatility Score | 0.020 | 0.028 | 0.022 |
How to read these metrics(Click to expand)
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